CLYDE MARINE SERVICES LIMITED
Opportunity 76/100 (strong), bankability 57/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
Refinance opportunity
37 live charges · 5 lenders · oldest 62.0y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 62.0 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (57/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 mortgage
Corporate timeline (86 events)Click to expand
- 2026-01-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-15🔒Charge registered #39Lender: Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111)
- 2025-09-05📄accounts-with-accounts-type-smallaccounts · AA
- 2024-09-02📄accounts-with-accounts-type-smallaccounts · AA
- 2024-02-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-07🔒Charge registered #38Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-23🔒Charge registered #35Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-23🔒Charge registered #34Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-21🔒Charge registered #37Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-21🔒Charge registered #36Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-21🔒Charge registered #33Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-21🔒Charge registered #32Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-21🔒Charge registered #31Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-11-21🔒Charge registered #30Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2023-10-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-21📄accounts-with-accounts-type-smallaccounts · AA
- 2023-08-23➖MUNRO, Emily Ritchie Gray resigneddirector
- 2023-06-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-06-12🔓Charge satisfied #25
- 2023-06-12🔓Charge satisfied #24
- 2022-09-30📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-09-12📄accounts-with-accounts-type-smallaccounts · AA
- 2022-04-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-04-04🔒Charge registered #29Lender: Clydesdale Bank PLC
- 2022-04-04🔒Charge registered #28Lender: Clydesdale Bank PLC
- 2020-06-23🔓Charge satisfied #23
- 2020-06-23🔓Charge satisfied #22
- 2020-06-23🔓Charge satisfied #21
- 2020-06-23🔓Charge satisfied #20
- 2020-06-23🔓Charge satisfied #19
- 2020-06-23🔓Charge satisfied #18
- 2020-05-29🔒Charge registered #27Lender: Clydesdale Bank PLC
- 2020-05-29🔒Charge registered #26Lender: Clydesdale Bank PLC
- 2019-09-17➖MUNRO, Archibald Dunlop resigneddirector
- 2016-01-27🔒Charge registered #25Lender: Clydesdale Bank PLC
- 2016-01-27🔒Charge registered #24Lender: Clydesdale Bank PLC
- 2015-08-24➕BAKER, Gillian Emslie appointedsecretary
- 2015-08-24➖MUNRO, Emily Ritchie Gray resignedsecretary
- 2014-12-16➕BAKER, Gillian Emslie appointeddirector
- 2009-09-08🔒Charge registered #23Lender: Clydesdale Bank PLC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 66 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrunro Hamish Munro Individual · British · DOB 09/1963 · age 63 | 50–75% | — | 50-75% shares | 22/09/2016 |
1 historic (ceased) PSC
- Mrs Emily Ritchie Gray Munroceased 21/09/2022· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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7 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Registered office
Filing status
Officers (3 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111) | A registered charge | — | 15/01/2026 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | — | 07/02/2024 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 1 property | 23/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 2 properties | 23/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 1 property | 21/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 2 properties | 21/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | — | 21/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | — | 21/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 1 property | 21/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 2 properties | 21/11/2023 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 04/04/2022 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 04/04/2022 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 29/05/2020 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 29/05/2020 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 27/01/2016 | 12/06/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | A registered charge | 1 property | 27/01/2016 | 12/06/2023 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Mortgage of a ship | 1 property | 08/09/2009 | 23/06/2020 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Mortgage of a ship | 1 property | 08/09/2009 | 23/06/2020 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Mortgage of a ship | 1 property | 08/09/2009 | 23/06/2020 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Deed of covenants | 1 property | 14/08/2009 | 23/06/2020 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Deed of covenants | 1 property | 14/08/2009 | 23/06/2020 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Deed of covenants | 1 property | 14/08/2009 | 23/06/2020 | |
| outstanding | Virgin Money Clydesdale Bank PLC | Floating charge | 1 property | 14/08/2009 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 13/12/2007 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Shipping mortgage | 1 property | 10/07/2007 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 27/03/2007 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 25/01/2005 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 20/03/1991 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 07/03/1989 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 07/03/1989 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 24/01/1989 | 30/05/1990 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 24/01/1989 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 31/10/1979 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 02/08/1979 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Floating charge | 1 property | 07/03/1979 | 26/08/2009 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Mortgage | 1 property | 20/08/1976 | 26/08/2009 | |
| satisfied | Lloyds Banking Group National Commercial Bank of Scotland LTD | Mortgage | 1 property | 07/05/1964 | 26/08/2009 |